Choosing a dental insurance plan can seem complicated. Consider the following questions when comparing dental plans and find the option that best meets your needs.
Does your employer offer dental insurance?
Dental insurance is usually cheaper through an employer because it is a group policy and usually at a reduced price depending on the size of your employer’s business. It is essential to review the details of the plans available to understand the level of coverage and whether it is the right plan for you.
What are the potential reimbursable expenses associated with the dental plan you have chosen?
Apart from the monthly premium and co-payment, many dental plans require you to pay a deductible before covering a portion of your out-of-pocket expenses for treatment. Insurers may also have an annual maximum allowance per 12 month period, which means they will not cover anything outside of this amount.
If you think you need procedures or treatments not covered by your plan, or if you prefer to call an out-of-network dentist, these factors will likely increase your out-of-pocket expenses.
Which dentists are part of the network?
If you want to stay with your current dentist, ask what insurance plans he accepts. Some dental insurance companies have a large network of providers, while others may require you to switch to a network provider in order to obtain coverage. When considering an insurance provider, check to see if dentists are available in your area to lower your costs.
What does the plan cover?
Consider your current and future dental needs when comparing dental plans. Preventive services are generally covered and include exams, x-rays, teeth cleaning, fluoride treatment, and sealants. While not all insurances cover orthodontic coverage, some do include coverage for children, so read the plan details carefully when making your choice.